Q: Do I have bad credit?

A: Maybe not for a remortgage...

Gary Webber
Head of Bad Credit
Remortgage Advice

There are many reasons you might end up with bad credit, such as divorce, illness or redundancy.

The Bad News

Most black marks on your credit history are not removed for a full 6 or 7 years.

The Good News

Many specialist bad credit remortgage lenders only look at your last 2 or 3 years of credit history to determine if you have bad credit.

Your Bad Credit Was Over 2 Years Ago

If your bad credit is older than 2 years and you've got no serious marks against you since that period, then it would be wise to talk to a mortgage adviser who can determine for certain whether you actually have bad credit. You can have an adviser call you by filling out the form to the right with some small details about your required remortgage, and as soon as the next adviser is available they will ring you and they'll be able to give you a definitive answer about your credit.

Your Bad Credit Is In The Last 2 Years

If you have black marks on your credit in the last 2 years, then you'll definitely need a bad credit remortgage and will have to apply through a specialist lender.

The good news is that we can help you remortgage your property, regardless of your credit situation.

If you've been affected by any of the following, then we can definitely help you remortgage:

Behind with mortgage payments (arrears)
County Court Judgements (CCJs)
IVAs
Late utility bill, loan or card payments
Defaults
Bankruptcy
Repossession

The hardest part about getting a remortgage with bad credit is finding a lender that will understand your problem and be willing to help. The mainstream lenders will generally not lend to those with bad credit, so you have to go to more specialist lenders.

These lenders don't have high street branches, but are usually owned by the mainstream lenders that do.

Click here to see our guide to UK bad credit remortgage lenders.

Specialist bad credit lenders operate almost exclusively through mortgage advisers, and this is where our team at Bad Credit Remortgage Guild can help you.

Fill out the short form below to talk to an expert mortgage advisor.

Enter mortgage amount required:

Length of mortgage term:

Step 2 of 3: About your required mortgage

Estimated property value?

Are you a first-time buyer?
YesNo

Do you need to self-certify your income?
YesNo

Have you:(tick any that apply)

	Had a CCJ or Default registered against you?
	Missed one or more secured loan or mortgage payments in the last 12 months?
	Been declared bankrupt or had an IVA?

Step 2 of 3: About your mortgage

Estimated property value?

How much would you like to borrow?

Proceed to step 3.

Final Step: To finish we simply need your details to find you your best mortgage deal

First name:

Last name:

Phone number:

Alternate phone number:

E-mail address:

Date of birth:

First line of current address:

Current postcode:

Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry.

Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.